Pet Insurance: My Dilemma and Is It Worth It?

What are your thoughts on pet insurance? Is the cost worth it? It's every pet owner's question.

There’s a big debate raging on my head right about now whether or not pet insurance is really worth it.

You see, last week I took my adorable sweet chiweenie, Wilkins, out for a car ride and to pick up dinner. He chilled (he’s cool like that) and it was a smooth experience. Along the way, because Atlanta traffic is so insane, I found myself stressing over him being hurt if we were in an accident or running away because he got scared if someone hit us and his window broke or the door opened. It was this weird anxiety that just hit me out of nowhere (and kind of left me thinking this is what parents must feel like). 

Then I started debating about pet insurance. Is it worth it? 

I’ve thought about this a lot since we left Florida a few years ago. My vet in Florida was amazing and they offered their own pet insurance program. It was a VIP (Very Important Pet) program. It was amazing. It was $40 a month and it covered all of their regular maintenance (vaccines, boosters, heartworm, exams, neutering, nail trims, baths, and check-ups). If they were sick the exams were free and all medication came at a discount. 

It was the best thing ever and it was really rough to leave a program like that behind. It’s even worse because there isn’t a single veterinary office in Atlanta that offers a comparable program. NOT ONE. That’s so sad. 

Everyone keeps referring me to buy pet insurance through a third-party instead. I’ve pretty much ignored it since I researched pet insurance once before and decided against it.

But…my company just partnered with a new organization for employee perks and one of those perks is 15% off of a pet insurance plan with this one specific provider. I tweeted and asked for anyone with experience or an opinion on pet insurance. I reached out to my blogging friend and fellow dog lover Allison from The Book Wheel to talk about it. I debated back and forth for days. 

Yet, I remain conflicted. I love my dogs and I want to keep them safe but…..I’m struggling to see the real true value in it considering the lifestyle of my dogs. 

Pet Insurance: My Dilemma and Is It Worth It?

That face is beautiful and I want to be safe but, I have some concerns. Here are the pros and cons:


My dogs are covered for:

  • Diagnostic Tests
  • Surgeries (unexpected emergencies only)
  • Hospital Stays
  • Medications (for unexpected illnesses)
  • Veterinary Supplements
  • Prosthetic Devices
  • Carts


My dog is not covered for:

  • Standard Exam Fees
  • Wellness or Preventative care (flea treatments, dental cleanings, vaccinations, nail trims, anal gland expression, etc)
  • Pre-existing conditions
  • Spay / Neuter
  • Breed specific ailments (depending on insurance agency)

Where my issue comes in is that I expect pet insurance to operate like human medical insurance and it doesn’t. That annoys me. If my health insurance didn’t cover standard exams, wellness, preventative care, vasectomy / hysterectomy, or “women’s issues” I’d be super angry and I wouldn’t bother having it. 

My dogs are indoor dogs and they live a pretty boring life other than play time with me and the occasional car ride. At $35 – $50 per dog, is the pet insurance worth it? I can’t decide. 

Do you have pet insurance for your dog or cat? Do you feel like it’s worth it?

Ashley LaMar
Ashley bounces between Atlanta, GA + Charleston, WV with her husband and two small dogs for life and work. If she’s not writing or blogging, she can usually be found cooking, reading, or watching baseball. Follow her on Twitter @ashleyfromfbl

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